How to Make More Money According to a Pro

Nicole Lapin

Making more money than you do now requires thinking outside the paycheck: investing, getting out of debt, not being a slave to impulse buys, and working that side hustle. In this week's Teach Me Something New podcast, financial expert and bestselling author Nicole Lapin returns (by popular demand) to school Brit and Angelika on her money-making secrets. Here are some highlights:

www.instagram.com

Login • Instagram

Use your age as an investment strategy. "The rule of thumb is to take your age and then take that percentage and buy bonds," says Lapin. "So I'm 36. The rule of thumb is to put 36 percent of your whole portfolio into bonds, because that's going to reflect your general time horizon."

Get out of debt before you save. Before you invest or start a high-yield savings account, get out of debt so that those returns can actually compound for you. "When you get your debt situation under control, you'll ultimately make more because if you're starting to invest in your earning interest, it's just going to be canceled out by the interest that you're paying on debt," says Lapin.

Think about what you can teach. "I think investing in yourself will pay most dividends later on," says Lapin. That means going for that side hustle, or better, turning your passion into your own business. "Everybody has something to teach, whether it's history or basket weaving or whatever. There is somebody who will pay for that knowledge. So instead of focusing on how do I make more money, focus on 'what can I do to be of service?'," adds Lapin.

www.instagram.com

Login • Instagram

Hold back on the impulse buys. "Back in the day, I would have suggested 70 percent going to your essential expenses (your food, your housing, your transportation, all that stuff); 15 percent go toward the extras (the latte, the mani-pedi, the rainbow track suit that I'm currently wearing…) and then 15 percent for retirement, investing and savings," says Lapin. Now in the new normal, I would try to squirrel that back to 65 percent to essentials, 30 percent to the end game and then 5 percent to the extras because, you know, Amazon is like kryptonite and it's really nice to buy stupid crap. But I think we're all seeing that that doesn't make us happy."


Find out what Lapin thinks about robo-advisors, cryptocurrency, buying a home right now, and more in the latest Teach Me Something New!

In our Take 5 series, sponsored by Verizon, we ask women in business about unexpected challenges, their inspirations, recent wins, and how the free Verizon Small Business Digital Ready Program has helped propel their business forward. Here, we meet Shalia Moore-Hayes, who runs a laundry business, Team J&S, with her husband in St. Petersburg and Tampa, FL.

1. How is it running a business as a wife-and-husband team, with five children no less!

We capitalize on each other's strengths, and we help each other grow in our respective areas. I try to get comfortable with the things that he's good at and he tries to get comfortable with the paperwork – and the things that I'm a little bit more good at, and being aware of those responsibilities. So as long as we do that, things work out well.

2. What’s a recent small win for you and your business?

My husband recently learned how to repair a lot of different things. He paid attention to what the repairmen we hired to do the work were doing. Our top loaders, our most popular washing machine, takes a lot of wear and tear. They're not the easiest to maintain. My husband has learned how to fix them. That's a small win.

The second one, because I said I capitalize on his strengths and my strengths, is I've been much better about working with accounting software. I used Verizon Small Business resources to learn how to make our books easier.

3. Who is a woman in business that you look up to and why?

My husband and I both agree that the women who contract with us for our wash/dry/fold – who we were able to springboard with support from the Verizon grant program – have inspired us because they were homeless coming out of the pandemic. They were able to come into our establishment and start their own small business, and that's something that we are super proud of these women for, for taking the steps that they did to start their own small business.

4. What's a book, podcast, or resource that has made an impact on you as an entrepreneur?

Before 2018, my husband bought this DVD set by Danny D'Angelo, the KING of Laundry, and we were able to learn about the business just from sitting down and listening to him. A few years later, my husband was on his podcast! He was really, really inspirational to us.

5. How has the Verizon Small Business program helped propel your business forward?

The free resources are always a benefit because you're not obligated to do anything other than taking the time to seek out information. We're just real people and I feel like Verizon is a partnership with us in small business, supporting us, and believing in us. We've been able to expand our business because Verizon gave us a shot to do that. And that's amazing.

Learn more about the free Verizon Small Business Digital Ready Program and Team J&S.

Illustration by Daniela Jordan-Villaveces.

"What would you do if your entire family, and your hometown, set you up to find love?" That's the question Ashley Williams poses in the first Small Town Setup trailer, coming to Hallmark+ in 2025. And if anyone has the answer, I have no doubt it's Hallmark — if anyone knows about warm, cozy, and sappy romance it's them! Even if you're not a huge reality dating show fan (or if you couldn't stop watching Reese Witherspoon's Love in Fairhope) this is one January TV show you won't want to miss.

Here's everything we know about Hallmark's dating show Small Town Setup, hosted by Ashley Williams.

'Small Town Setup' puts you right in a Hallmark movie.

All six episodes of Small Town Setup premieres on Hallmark+ on Thursday, January 2, 2025, and is hosted by Ashley Williams, who you'll recognize from movies like Falling Together and Two Tickets to Paradise as well as How I Met Your Mother.

Just like your favorite Hallmark movies are all about finding love, Small Town Setup focuses on singles coupling up. The show will follow a single who "has made it in the big city, but has yet to find love." And their concerned parents (definitely a Hallmark trope and an IRL trope...) get the whole neighborhood involved in finding three potential matches.

"When the singleton arrives home for a visit, they are presented with dating options curated by their hometown. After three dates, will they find love in their hometown? Or head back to the big city? All is revealed at a big town hall event, full of heart, warmth, and a few laughs along the way."

Okay, getting the entire town involved in my love life sounds crazy, but the whole community coming together for a town hall event sounds exactly like the kind of sweet and sappy event my life needs. (Listen!! Dating as a 20-something in the city is harder than I expected...)

Throughout the trailer we see our singles looking for love around their hometown, going on small town dates, and finding connection in the most unexpected places. Yeah...I'll be tuning in — especially since Small Town Setup is totally giving Gilmore Girls.

Check out the 11 New January 2025 Movies Viewers Will Adore — and you'll want to add to your calendar ASAP!

A side hustle is a great way to either make some extra money or, if you’re dreaming of starting your own business, dip your toes into entrepreneurship without taking the plunge. After all, it’s low-risk, flexible, and you get to work on projects you enjoy.

But one of the most common questions I hear is, “how do I find a business idea?”

The Myers-Briggs personality assessment offers insights on your likes and dislikes and can be used to figure out what type of side business you might be cut out for. Get ready to start your side hustle with business ideas for each of the MBTI types.

INTJ ("The Architect")

You’re analytical, introverted, and quick to learn new topics that interest you. While you enjoy working on big problems, you’re not a people person and you’re fiercely independent. One of your core strengths is to take complex topics and turn them into actionable strategies. You’d thrive as a business consultant, technology consultant, or freelance writer.

INTP ("The Logician")

As a Logician, you’re creative, full of ideas, and innovative -- a perfect match for many side hustles. At the same time, while you love finding solutions to problems, you don’t necessarily want to work on the nitty-gritty of turning your vision into reality. Plus, as an introvert, you’d rather avoid wasting time on small talk. Look for side hustles such as innovation consulting, starting a software business, and tutoring.

ENTJ ("The Commander")

You’re a natural leader with a healthy dose of confidence. You strongly believe in your goals and have a knack for thinking strategically and holding a long-term focus. With these characteristics in mind, some of the top side hustles for you are executive coaching, corporate strategy consulting, and confidence coaching.

ENTP ("The Debater")

ENTPs are known for thinking big and questioning the status quo. You’re someone who knows how to connect different ideas to prove your point and has a great sense of humor. You could make it big as a sales consultant, speaking coach, Substack newsletter writer, or podcaster.

INFJ ("The Advocate")

With a deep sense of idealism and integrity, you’re passionate about leaving a lasting impact. You’re big on uplifting and helping others and you value meaningful relationships with those around you. Why not make your side hustle your mission? Some top ideas for you are non-profit consulting, photography, and life coaching.

INFP ("The Mediator")

You’re imaginative and empathetic to the core with a strong need for creative self-expression. Your side business can be a great source of purpose for you, but make sure you take action and actually get it off the ground. After all, this personality type often stays stuck in daydreaming rather than taking steps to fulfill their dreams. A few side hustle ideas include freelance copywriting, marketing consulting, or designing your own jewelry.

ENFJ ("The Protagonist")

As a popular leader with a great sense of purpose, you want to help those around you. And while you speak up for what you believe in, you always do so without coming off as pushy. Because you light up when you help others excel, side hustles like leadership coaching, career coaching, self-esteem coaching, and wedding planning will be right up your alley.

ENFP ("The Campaigner")

Outgoing and friendly, you tend to be the life of the party, while you value deep and meaningful connections with others. Because you have many ideas and interests, you might find it hard to focus on one side hustle idea. But remember, even if you decide on a side business today, you can always expand to other areas in the future. Side businesses where you get to use your people skills and creativity are likely to motivate you the most. You can use your core strengths by building a side hustle as a freelance social media manager, public relations consultant, freelance journalist, or charisma coach.

ISTJ ("The Logistician")

You thrive when you’re working towards a goal, especially if you get to do it on your own. Rules and guidelines are important to you and between facts and emotions, you always choose facts. Where you really shine is in making things run smoothly and efficiently and building long-term, consistent projects. That’s why you should consider app development, real estate investing, productivity coaching, or management consulting as side hustles.

ISFJ ("The Defender")

Even though you’re introverted, you love connecting with others. Working with people brings you a lot of joy and you go above and beyond to exceed their expectations. You could even be called a perfectionist, which makes side hustles such as virtual assistance, customer happiness consulting, relationship coaching, and interior design some of the top options for you.

ESTJ ("The Executive")

People often come to you for advice and guidance and you’re a born community builder. You’re a project manager at heart and your superpower is to turn complex challenges into simple steps. That’s why your side hustle ideas should involve some level of organization and structure. For instance, you’d stand out as a freelance project manager, freelance community manager, team-building consultant, or financial planner.

ESFJ ("The Consul")

As someone who is practical, well-organized, and social, you’re pretty much made for a side hustle where you get to work with people. And because you enjoy bringing value to those around you, starting a side business as a health coach, Airbnb host, employee motivation consultant, or HR consultant can feel especially rewarding.

ISTP ("The Virtuoso")

With your love for making things in mind, any side hustle where you get to use your practical skills is an ideal fit for you. You don’t flourish if things get too structured and you love the independence that a business can offer you. Look at side hustles such as starting a TaskRabbit or Thumbtack account, graphic design, or setting up your own repair shop.

ISFP ("The Adventurer")

You have an eye for arts and beauty and you live for creative freedom. A side hustle can give you a creative outlet if you’re not already feeling fulfilled in your 9-5. And as you don’t like to plan too much ahead (say, for your retirement), a side gig can bring in a well-needed income. For instance, start an Etsy e-commerce store, become a freelance creative director or an image consultant, or sell your illustrations online.

ESTP ("The Entrepreneur")

A side hustle can lead to a lot of excitement in your life. You’re a leader-type with plenty of energy and enthusiasm. And as you’re not a big fan of rigor or rules, stepping into the role of a business owner can be extremely fulfilling for you. Some of the top business ideas include freelance sales representative, branding consultant, and starting your own e-commerce business.

ESFP ("The Entertainer")

You know how to throw a party and you’re always there for those who need you. While you’re not particularly interested in repetitive tasks, you love working with people and making them happy. With your impeccable aesthetics, a side business such as an event planning business, a fashion brand, or a tour guiding business is an excellent choice for you.

Hopefully, you’re now one step closer to finding your side hustle idea. All of the MBTI types have their own weaknesses and strengths. Use them and you’ll find that perfect match for your personality type.

Luisa Zhou is an entrepreneur and the creator of the Employee to Entrepreneur system, which teaches people how to leave their day job and start their own six-figure-plus business working for themselves. She's been featured in Forbes, Inc., Entrepreneur, and more. Sign up here to get her free blueprint for building a profitable online business that frees you from the 9-5.

Tourism can be a blessing for the economy of many cities around the world, but it often comes at a price. Destinations like Venice and Bali are iconic for a reason — they’re unique, breathtaking places that lure travelers from around the globe. But when a travel destination becomes too popular, it risks losing its charm and overcrowding can strain infrastructure, inflate costs for locals, and disrupt the peace and quiet of small, serene towns.

Here are 12 destinations that have struggled with overtourism. The good news? Many are implementing smart strategies to balance tourism with sustainability. Planning to visit? Consider booking during the off-season for a more authentic and enjoyable experience or try these hidden gems.

Pixabay

Venice, Italy

Cruise ships and swarms of tourists have overwhelmed this picturesque city, leading to overcrowded canals, damaged infrastructure, and skyrocketing prices. The local population is dwindling as Venetians leave due to the city’s unsustainable tourism boom. Last spring, in an effort to manage the influx, the city put into effect an entry fee for day-trippers and has limited cruise ships docking its shores.

Oleksandr P

Bali, Indonesia

Once an idyllic paradise, Bali now suffers from traffic congestion, environmental degradation, and overcrowded beaches. The island’s resources are strained under the weight of mass tourism, but there are efforts underway to promote sustainability like putting a moratorium on new hotels.

Willian Justen de Vasconcellos

Machu Picchu, Peru

Overtourism has led to erosion and damage to this ancient Incan citadel. A quota system and mandatory guides are helping preserve this popular South American destination.

Darren Lawrence

Tulum, Mexico

Once a tranquil paradise known for its pristine beaches, ancient Mayan ruins, and eco-chic vibe, Tulum has become a cautionary tale of overtourism. The surge in popularity, fueled by Instagram-worthy scenery, has brought overcrowding, environmental strain, and rising costs. The Guardianreported that locals are being pushed out by developers and despite the thinking that tourism helps local communities, poverty nearly doubled between 2015 and 2020. Local ecosystems, including fragile mangroves and coral reefs, are threatened by unchecked construction and pollution too. The local ruins have implemented stricter rules like no food or drink to limit trash and environmental impact from tourists.

Jimmy Teoh

Santorini, Greece

Instagram fame has turned this once-serene island into a tourist hotspot. Narrow streets are perpetually clogged, and locals are struggling with soaring costs of living due to tourism demand. The government has since capped the number of daily cruise ship visitors to keep overtourism at bay.

Chait Goli

Cinque Terre, Italy

Known for its colorful cliffside villages and breathtaking coastal views, these once-quiet fishing towns now see millions of visitors annually, way more than they can handle. To combat issues like congestion and cruise ships, local authorities have introduced visitor caps and encourage sustainable travel to protect Cinque Terre’s charm.

Rudy Kirchner

Reykjavík, Iceland

Is there anyone not going to Iceland these days? A small country with breathtaking landscapes, Iceland has been overwhelmed by tourists flocking to Instagram-famous sites like the Blue Lagoon and Diamond Beach. It's best to travel during the off season (November to April) and travel to lesser known spots like the Sturlungalaug hot spring.

youseflns

Maya Bay, Thailand (Phi Phi Islands)

This iconic beach, popularized by the DiCaprio film The Beach, suffered ecological devastation from hordes of visitors and anchored boats. Coral reefs were destroyed, and the beach was closed for years to allow recovery. It has since reopened after a huge revitalization project, but they have introduced visitor caps.

Pixabay

Kyoto, Japan

Traditionally quiet streets of this ancient capital city now teem with tourists during peak season. An increase in litter from tourists has required the city to install more trash bins to handle the crowds, and peaceful geishas are often chased down for photos. To mitigate the problem, Kyoto is considering running special buses to popular sites to reduce overcrowding, and temples and shrines are encouraging visitors to come early in the morning.

Prabin Sunar

Mount Everest, Nepal

The ultimate challenge for adventurers, Mount Everest has experienced overcrowding on the slopes and at base camps, leading to dangerous conditions, with litter and human waste piling up on the mountain. Permits are now harder to get, and stricter regulations for climbers are being enforced.

Mateusz Popek

Dubrovnik, Croatia

The Game of Thrones effect brought an influx of fans to this medieval city. Overcrowded streets and cruise ship arrivals have made it difficult to appreciate its beauty. The local government is taking steps to limit daily visitors and impose stricter cruise ship regulations.

Helena I

Lisbon, Portugal

Short-term rentals dominate the housing market now, thanks to affordable flights and the digital nomad craze. This has led to skyrocketing rents and displaced locals. Historic neighborhoods are inundated with tourists, making them less charming too. Everything from public transport to waste management struggles to keep pace with the influx. I went in December and it still felt a bit like Disneyland. Douro Valley and Madeira might be more favorable destinations any time of year.

Cure your wanderlust in 2025! Be sure to subscribe to our newsletter for more travel ideas!

Heaping plates of Christmas cookies are synonymous with the holidays. It seems that nearly every country around the globe has their own variation on the holiday classic. In fact, some of these regions have been making their version of Christmas cookies for literal hundreds of years.

If you’re looking for a way to reconnect with your heritage, or maybe just want a little baking inspiration, check out our picks for the yummiest Christmas cookies from around the world.

The Noshery

Mantecaditos con Guayaba

These may look like ordinary thumbprint cookies, but these almond shortbreads from Puerto Rico are filled with a special guava marmalade. (via The Noshery)

Broma Bakery

Meringues

French meringues are a classic crumbly egg white cookie with a chewy interior. These get an extra European twist with the addition of Nutella. (via Broma Bakery)

Pretty. Simple. Sweet.

Alfajores

Deeply flavored dulce de leche, a caramel made from whole milk commonly found in Spain and many Latin American countries, is the key ingredient in these super pretty sandwiched Christmas cookies. (via Pretty. Simple. Sweet.)

Fancy Peasant

Melomakarona

These Christmas cookies that hail from Greece get their sweetness from a generous soaking of fresh honey! (via Fancy Peasant)

Very Eatalian

Baci di Dama

The name of this Italian treat translates to “lady’s kisses” — how adorable is that? These bite-sized cuties are made with ground hazelnuts and filled with a dollop of dark chocolate. (via Very Eatalian)

Cooking Classy

Linzer Cookies

These Austrian Christmas cookies are typically made with raspberry jam, but feel free to get crazy with a filling of your choice. Plus, the gorgeous windowpane look will make them a prize takeaway at your next cookie exchange. (via Cooking Classy)

Olivia’s Cuisine

Basler Brunsli

If you’re hanging out in Switzerland around Christmas time, you’ll definitely see these chocolate treats around. They’re often described as Swiss brownies due to their deliciously chewy texture. Perfect with a cup of eggnog or coffee! (via Olivia’s Cuisine)

Cilantro Parsley

Buñuelos

These tender miniature fritters from Mexico are a mix between a donut and cookie. Whatever you want to call them, they’re delicious. (via Cilantro Parsley)

Chef Lindsey Farr

Apricot Kolachys

The Hungarians definitely know what’s up when tart apricot jam gets wrapped in a blanket of flaky pastry. They’re a bright spot on a cold Christmas day. (via Chef Lindsey Farr)

Life, Love and Sugar

Cutout Sugar Cookies

In the United States, a plate of these festively decorated sugar cookies is just what Santa ordered. (via Life, Love and Sugar)

Saveur

Polvorones

You’ll find these simple pecan shortbread cookies all over Mexico around this time of year. The coating of powdered sugar and canela, a type of Mexican cinnamon, really bring the flavor to the next level. (via Saveur)

A Healthy Life for Me

Pignoli

These Italian Christmas cookies are made of a chewy almond base and topped with pine nuts. (via A Healthy Life for Me)

Fancy Peasant

Kourabiedes

These Greek Christmas cookies feature a buttery biscuit topped with mass amounts of powdered sugar. (via Fancy Peasant)

Does your family have a traditional cookie recipe for the holidays? Tag us @BritandBo in your Instagram photos and let us know!

This post has been updated with additional reporting by Meredith Holser.

Lead image via Pretty. Simple. Sweet.